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Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2020
Mar. 31, 2019
Interest and dividend income:    
Loans, including fees $ 4,878 $ 5,255
Taxable securities 1,173 849
Tax-exempt securities 23 61
Other interest income 55 53
Total interest income 6,129 6,218
Interest expense:    
Deposits 830 863
Short-term borrowings and repurchase agreements 8 24
Long-term debt 283 161
Other interest bearing liabilities 7 11
Total interest expense 1,128 1,059
Net interest income 5,001 5,159
Provision for loan losses 356 15
Net interest income after provision for loan losses 4,645 5,144
Non-interest income:    
Earnings on bank-owned life insurance and annuities 64 69
Gain (loss) on sales and calls of securities 11 (56)
Change in value of equity securities (172) 9
Other non-interest income 82 85
Total non-interest income 994 1,094
Non-interest expense:    
Employee compensation expense 2,003 1,968
Employee benefits 728 741
Occupancy 314 349
Equipment 234 214
Data processing expense 501 461
Director compensation 57 51
Professional fees 173 197
Taxes, other than income 138 134
FDIC Insurance premiums 40 56
Amortization of intangible assets 19 22
Amortization of investment in low-income housing partnerships 200 200
Other non-interest expense 353 442
Total non-interest expense 4,760 4,835
Income before income taxes 879 1,403
Income tax provision (benefit) (159) (10)
Net income $ 1,038 $ 1,413
Earnings per share    
Basic $ 0.20 $ 0.28
Diluted $ 0.20 $ 0.28
Customer Service Fees [Member]    
Non-interest income:    
Non-interest income $ 415 $ 422
Debit Card fee Income [Member]    
Non-interest income:    
Non-interest income 324 308
Trust Fees [Member]    
Non-interest income:    
Non-interest income 113 99
Commissions from Sales of Non-Deposit Products [Member]    
Non-interest income:    
Non-interest income 74 71
Fees Derived From Loan Activity [Member]    
Non-interest income:    
Non-interest income 67 70
Mortgage Banking Income [Member]    
Non-interest income:    
Non-interest income $ 16 $ 17